Wednesday, December 9, 2009

My Financial Peace University Home Study Kit! John and I are so excited to soak in all of the knowledge that Dave has about getting and living financially free. I will keep you all updated on our progress and thoughts as we go.

Tuesday, December 8, 2009

I seek opportunity—not security. I do not wish to be a kept citizen, humbled and dulled by having the state look after me.

I want to take the calculated risk; to dream and to build, to fail and to succeed.

I refuse to barter incentive for a dole. I prefer the challenges of life to the guaranteed existence; the thrill of fulfillment to the stale calm of utopia.

I will not trade freedom for beneficence nor my dignity for a handout. I will never cower before any master nor bend to any threat.

It is my heritage to stand erect, proud and unafraid; to think and act for myself, enjoy the benefit of my creations and to face the world boldly and say, “This I have done.”

By Dean Alfange

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*Originally published in This Week Magazine.Later printed in The Reader’s Digest, October 1952 and January 1954.

My close friends know that I am on a mission to become debt free. That means, no credit cards, no car payment, no mortgage payments, no student loan payments... blah, blah, blah! My plan is to become debt free in 24 months (not including my mortgage). I have made the decision to regain control of my finances, and take the hard earned money back from "the banks" who have so quietly taken a percent here and a percent there, for far too long! I have made a promise to myself, to not borrow another cent, as long as I can help it. Hopefully never again. To assist me with this mission, I have the support of a lovely christian man named DAVE RAMSEY. Some of you may have heard of him. He has his own radio talk show, television show & has written many books. (He is on the radio every day from 3-5pm). I have been listening to him religiously (and so have my husband and kids). He also offers a financial class called "Financial Peace University", which is most often offered at churches. The class is 13 weeks long, which was going to be a bit of a hassle for us to make it to there every week, so we decided to purchase the home study kit. We will be able to study it home, without missing a class. If you are like me, and are tired of living payday to payday and just not ever feeling like you are going to get ahead, you MUST go to his website! Or go to the library and get his books Total Money Makeover or Financial Peace Revisited. Both of these will help you to become debt free, sooner than you may think! I recommend attending a class at your local church as well. And, listening to one of his radio shows... He is a millionaire who lost everything, went bankrupt & broke, and built his fortune back up again, wisely. He shares how he did it.

Last night, the UPS man delivered my Christmas present. Its a Kitchen Aid Stand Mixer. I have wanted one since I could remember. I BOUGHT IT WITH CASH! Im so excited to use it! This is my favorite color, which is shown throughout my kitchen. I even have a can opener in this robins egg blue color.

Tuesday, December 1, 2009

Im three weeks early (December 20th is her birthday) taking Abgails birthday picture this year. I needed to get it done so I could make her invitation. She was just a doll posing for me. Her outfit was a sale item from Carters. Thats my new favorite store. I dont shop at gymboree anymore. I think there quality has declined over the last three years. I hope everyone had a nice Thanksgiving. I am now on vacation from my photography until the first of the year. It was a very busy fall and Im blessed to be able to call this my job. Thanks to everyone who I have had the pleasure of photographing this year. Anyone who is wanting a session may still email me, to set up a date for next year. January is pretty open and February has a couple of sessions left.

Organizing Junkie

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A Bowl Full of Lemons sole purpose is to bring together a "community" of like minded individuals - who seek a life of "order". Within my site, you will find an array of home management topics such as organizing, cleaning, budgeting, planning, & preparedness. Sometimes life gets so busy that we become overwhelmed and don't know how to get back on track again. I am no exception. I play many roles in my day to day life: Wife, mother, Registered Nurse, lifestyle photographer and blogger. I have the same struggles as you, and I am here to share what has worked for me. My goal is to help you achieve order within your busy lives. I have been blessed to share my creative ideas with my growing number of fans for the past 4 years. I hope to inspire you to find balance and to create an environment of peace and order. Whether it's cleaning up your finances & getting on a budget that works or setting up a system of organization within your home, I am here to help guide you. I’m grateful to be able to use this platform to teach you how to get your life organized. ~ Toni